How to Buy I Bonds for 9.62% Guaranteed APY (Step by Step)

In this video, I go over how to buy Series I Bonds - from what they are, the pros and cons, and how you can invest. With inflation at over 8%, it's hard to find ways that will guarantee that your money will be able to sustain its value. However, with I Bonds, you're actually guaranteed an interest rate between 7-10% which is what makes them a great option to consider during times of economic hardship.

Be sure to watch all the way through til the end as I'll be going over the step by step process on how to get I Bonds directly from the official TreasuryDirect website. I hope this video was helpful, as my goal is to give you guys a better understanding of all the important things you should know about I Bonds before investing. None of this is financial advice, it's merely a suggestion to do more research before putting your money into anything.

Link to TreasuryDirect (I bonds are currently at 6.89% from Nov 1, 2022 to April 30, 2023):

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-Charlie

#IBONDS #TREASURY #INVESTING

Timeline:
0:00 - Intro
0:34 - What Are I Bonds?
1:13 - Increasing Federal Interest Rates
1:36 - Why I Bonds Are Inflation Proof
2:29 - The Disadvantages
4:05 - The Benefits
5:21 - TreasuryDirect Walkthrough
6:12 - Opening An Account
8:04 - Buying I Bonds
8:46 - Important Things To Know
9:03 - Conclusion

Disclaimer: Some of the links above may be affiliate links, which means that if you click on them I may receive a small commission. The commission is paid by the retailers, at no cost to you, and this helps to support our channel and keep our videos free. Thank you!

In addition, I am not a financial advisor. Charlie Chang does not provide tax, legal or accounting advice. The ideas presented in this video are for entertainment purposes only. Please do your own due diligence before making any financial decisions.

[CharlieChang]

Free stocks using the links in the description!
Happy I bonds buying :) -Charlie

[oceanearth]

There is a limit of 10k maximum so the 9.6% Apr amounts to about 900 bucks a year.

[Constitution]

I'm watching this video again. Funny thing about I Bonds is you have to pay federal income taxes on it as regular income. You loan the government money, it gives you a little interest, but then it taxes you to get some of the interest it gave you back. So, for example, this year's composite rate is 4.28 percent, after taxes, it's only 3.34 percent or lower depending on your tax bracket. 🤣

[mr.financial]

Bonds are terrible in Canada as the interest earned on bonds are taxed at the marginal rate or regular income rate, which is the highest. It is so cool that you get this tax benefit in the USA with I bonds.

[sanjaykapoor]

Please explain steps to sell or exit out of bonds.

[SpencerJohnsonOfficial]

Great video Charlie! I-Bonds are a great investment right now. I just wish I had the extra income to invest in them haha. However, I am still happy with dollar-cost averaging into the market with my company's 401k and my Roth IRA as well. No matter how you get in the market, it's important to just do it! I would definitely recommend investing in these bonds if you can afford to though.

[MadArk]

Thank you for the video. It is very helpful, detailed, and descriptive, for dummies like me. The only question, how to collect my semi-annual interest, by keeping the i-bonds . I was told that i can't enjoy the interest money until i redeem the bonds. Is it right?

[stevechang]

How do I buy i bound paper 5000? Last week I purchased i bound online, can I buy next i bound at the beginning of year2023

[tam]

Thank you for sharing this valuable information. You mentioned you can buy 10K of I bond per year electronically. Does that mean calendar year? So if I buy one now (Oct 2022), can I do it again in January? Also, do you recommend to buy as an individual (can you add a beneficiary?) or via a trust, which is also in my name?

[ln]

Would you recommend buying I bonds currently with the interest rates plateauing and with the possibility going down now?

[aaronsoutherland]

I believe you can buy up to $10k per SSN or EIN, so that allows you to multiply your I bond investment well beyond $10K for a family or businessman.

[amethystlowe]

On Robinhood and other apps, they have ETFs dedicated to bonds would you invest in bonds there or is it better to buy them straight from treasury direct or Vanguard for example?

[nateliontrueleo]

I got $500 worth 6 months ago but it still say $500 when will I see the return

[pabloarielnicoli]

on 8:59
and what about if you have an USA LLC but non Resident?
It's also posible to do it?

[nicolasszampieri]

Is there anything similar to this for canadians?

[babyfacejosh]

Just bought mine! So excited to have my money work for me!

[Leo-khee]

Hey Charlie, how do you sell I bonds? Are you able to view the growth of your purchases I bonds?

[sebastiendube]

Charlie, can you let me know how to buy I bonds from Canada? is this true a specific Etf or ? I heard you can but haven’t found yet how to and the end of the month is coming fast. please help

[rononthehill]

Two questions I have are: is there a way to buy more than $10K in a single year and is there a way to buy them in an IRA?

[jgarcia]

What's the least amount you can invest on these I bonds per pay period??